Calculate your take-home pay in The Garden State. New Jersey income tax rate: 10.75%.
New Jersey has seven tax brackets with rates from 1.4% to 10.75% on income over $1 million. New Jersey does not have a standard deduction but offers personal exemptions of $1,000. The state has no local income taxes but property taxes are among the highest in the nation.
| Item | Per Paycheck | Monthly | Annual |
|---|---|---|---|
| Gross Pay | - | - | - |
| Federal Income Tax | - | - | - |
| New Jersey State Tax | $0 | $0 | $0 |
| Social Security | - | - | - |
| Medicare | - | - | - |
| 401(k) + Pre-Tax | - | - | - |
| Take-Home Pay | - | - | - |
New Jersey has a progressive income tax with a top rate of 10.75%. This calculator estimates your take-home pay after federal income tax, state income tax, Social Security, Medicare, and any pre-tax deductions like 401(k) contributions. Enter your salary or hourly wage above to see a detailed breakdown of your paycheck.
New Jersey has one of the highest income tax rates, with seven brackets ranging from 1.4% to 10.75%. The 10.75% rate applies to income above $1 million. Combined with very high property taxes (the highest in the nation by several measures), New Jersey has a significant overall tax burden. However, the state does not tax Social Security benefits and offers generous retirement income exclusions for seniors.
Regardless of state taxes, all New Jersey workers pay federal income tax using the 2026 brackets: 10% on the first $11,925 of taxable income (single), 12% up to $48,475, 22% up to $103,350, 24% up to $197,300, 32% up to $250,525, 35% up to $626,350, and 37% on income above that. The standard deduction is $15,000 for single filers and $30,000 for married filing jointly in 2026.
All workers in New Jersey pay Social Security tax at 6.2% on wages up to $176,100 (2026) and Medicare tax at 1.45% on all wages. An additional 0.9% Medicare surtax applies to wages over $200,000 for single filers. These federal payroll taxes apply uniformly regardless of which state you live in.
Pre-tax deductions reduce your taxable income for both federal and state purposes. Contributing to a 401(k) (up to $24,500 in 2026, plus $8,000 catch-up if 50+) lowers both your federal and NJ state tax bill. Health Savings Account (HSA) contributions ($4,300 individual, $8,550 family in 2026) are also pre-tax. Review your W-4 withholding: if you receive a large refund each year, you may be overwithholding, which means less money in each paycheck. The Tax Bracket Calculator shows your federal marginal and effective rates.
New Jersey has a progressive income tax from 1.4% to 10.75% on income over $1M. Property taxes are the highest in the nation, averaging about 2.2% of assessed value. For many New Jersey residents who commute to New York City, the combination of NJ income tax and NYC commuter considerations makes paycheck planning especially important.
New Jersey's combination of high income tax rates and the nation's highest property taxes creates one of the heaviest total tax burdens in the country. For workers commuting to NYC, the mathematics of NJ vs. NY residency involve complex cross-state credit calculations. Run both state calculators to compare.